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Ginnie Mae is pleased to announce that beginning in February 2017, both the HMBS Monthly Pool Level and Monthly Loan Level Disclosure Data files will be released on an earlier schedule. Please refer to the schedule below for the Disclosure Release Schedule dates details: ​Disclosure File ​ - ​HMBS Monthly Pool Level - - HMBS Monthly Loan Level - - Current Schedule ​ - 10th Business Day, 10PM Future Schedule ​1st Month Applied - ​6th Business Day, 10PM 1st Month Applied - ​January 2016 Data (released in February) ​ The disclosure files are available in the Ginnie Mae MBS Disclosure Data section of Ginnie Mae’s website or from existing data distribution vendors. The release schedule for other Disclosure Data files not mentioned above remain unchanged. For questions related to Disclosure Data, please send an email to
Ginnie Mae is making available the Mortgage-Backed Securities (MBS) Multifamily Loan Level Disclosure Layout, version 2.0, for disclosure of Monthly Multifamily Loan-Level information. Beginning with version 2.0, a value will be disclosed for fields 10 through 19 of the Loan record if a value is available in the system. 10 - Modified Loan Indicator 11 - Non-level Payments Indicator 12 - Mature Loan Certification Flag 13 - Endorsement Date 14 - Lockout Term 15 - Lockout Period End Date 16 - Prepayment Premium Period 17 - Prepayment End Date 18 - Interest Approval Date 19 - Pre-Payment Penalty Flag The release of the Monthly Multifamily Loan Level Disclosure production version 2.0 file will begin on the 6th business day of February 2017 (February 8th) and will be released on the 6th business day of every month going forward. For questions or comments related to this layout file, please send an e-mail to
In an effort to provide timely disclosure to Investors in HECM Mortgage Backed Securities (HMBS), Ginnie Mae is moving up the deadline for addressing exception feedback and corrections to the HMBS Issuer Monthly Report of Pool, Loan and Participation Data (Monthly Reporting Data) in Ginnie Mae’s Reporting and Feedback System (RFS). The monthly reporting cycle consists of three elements: Initial submission of the Monthly Reporting Data, exception feedback, and corrections. The deadline for Initial Submission of the Monthly Reporting data will remain the same and will continue to be due no later than 7:00PM (Eastern Time) on the second (2nd) business day of the month following the reporting month. In contrast, the deadline for addressing exception feedback and making corrections is changing as follows. Beginning with Monthly Reporting Data due on January 3, 2017 (for the December 2016 reporting period), the deadline for corrections is being bifurcated into two dates depending on the severity of the exception: • Critical RFS exceptions that are designated as Errors (“E”) and Critical (“C”) related to the pool, loan and/or participation records must be corrected no later than 7:00PM (Eastern Time) on the 4th business day of the month following the reporting month. • RFS exceptions that are designated Matching (“M”) and Low (“L”) must be corrected no later than 7:00PM (Eastern Time) on the 10th business day of the month following the reporting month. The Reporting and Feedback System (RFS) HMBS Issuer Monthly reporting of Pool, Loan, and Participation Data, Appendix VI-17 (Appendix VI-17) to the Mortgage Backed Securities Guide 5500.3, Rev-1 (MBS Guide), has been updated to provide definitions for the categories of RFS exceptions—Errors (“E”), Critical (“C”), Matching (“M”) and Low (“L”). The exception messages themselves, have also been added, and follow the record layout and definitions to which they relate. In order to facilitate the accelerated reporting timeframes, Ginnie Mae is automating the distribution of exception feedback reports which will no longer be delivered to Issuers via email. Effective for reporting due January 3, 2017 (for the December 2016 reporting period), HMBS Issuers may obtain exception feedback reports from within the RFS module itself. Reports are available immediately after the file has been processed and can be viewed or downloaded under the HMBS Reporting and Administration (HRA) “Exception Feedback” Tab in RFS. For specific instructions on viewing and downloading Exception Feedback Reports, please consult the HMBS Issuer User Guide contained within the HMBS Reporting and Administration (HRA) “Exception Feedback” Tab in RFS. Lastly, several data field definitions in Appendix VI-17 have been revised to provide users with a more complete and accurate description of the data being requested by each field, but these clerical revisions do not require HMBS Issuers to implement any additional data file changes. If you have technical questions regarding this announcement, please contact the Issuer Support Group at 1-888-446-6434. If you have other questions, please contact your Account Executive in the Office of Issuer and Portfolio Management directly or at (202) 708-1535.
Beginning on November 11, 2016, the current month of data for the thirteen files in the table below are being moved from its existing location on the Disclosure Data History page to the Disclosure Data Download page for ease of access. These are files that have been derived from the MBS Monthly (Portfolio) file; they are not new files. The current month’s files will be published on the bottom of the Disclosure Data Download page in a new section labeled “MBS Portfolio – Record Type Breakout Files”. Historical month data for MBS Portfolio - Record Type Breakout Files will remain on the searchable Disclosure Data History page. File Name Data File MBS POOL-LEVEL STATISTICS POOL ORIGINATIONS DATA POOL QUARTILE DATA POOL VARIOUS DATA MULTI-ISSUER POOL DATA GEOGRAPHICAL POOL-LEVEL DATA SUPPLEMENTAL DISCLOSURE DATA REMOVALS BY ISSUER MSA DATA PRE-MODIFIED LOAN VALUES DATA ISSUER DELINQUENCY MORTGAGE INSURANCE PREMIUM AND OTHER DATA TRANSFER ACTIVITY DATA For questions related to this bulletin, please send an email to
Ginnie Mae is enhancing the disclosure of HECM MBS (HMBS reverse mortgage pools) data in the existing Factor A II and Factor B II files. There are two changes related to this enhancement: 1) Factor Files: Note: There is no change to the Factor file layouts or schedule. The enhancements are internal to the existing file, populating data in existing fields. The following data enhancements will be effective with the regularly published Factor A II file to be published January 6, 2017 and Factor B II file to be published January 10, 2017: This is for HMBS Pools only. Field 9, “Pool Interest Rate” -- For all HMBS pools, this field will contain the current period security interest rate. Previously this field contained the original security rate for fixed rate HMBS pools. Field 15, “Original Interest Rate” -- For all HMBS pools, this field will contain the original at issuance security interest rate. Previously this field contained spaces (blanks) for fixed rate HMBS pools. Field 16, “Prospective Interest Rate” -- For all HMBS pools, this field will contain the Prospective Security Interest Rate that will be in effect for the next reporting period (the prospective rate becomes the current rate next reporting period). Previously this field contained spaces (blanks) for fixed rate HMBS pools. Previous to the changes above, for HMBS Fixed Rate pools, Fields 13 through 18 had been filled with spaces (blanks). Note that, for HMBS Fixed Rate pools, Fields 13, 14, 17, and 18 will continue to be filled with spaces (blanks). 2) HMBS Supplemental File: The final “hsuppl_yyyymm.txt” file will be published on December 6th, 2016. This file and its layout and sample will be removed from the Disclosure Data Download page on January 5, 2017. All Factor files and the HMBS Supplemental File are found on the Disclosure Data Download page. For questions related to this bulletin, please send an email to
WASHINGTON, D.C. – Nearly 900 mortgage originators, housing finance experts, and government officials will join Ginnie Mae over the next two days to explore the most critical challenges still facing the housing finance industry. The two-day Summit in Washington, DC will focus on the shift to independent mortgage bankers, new business models for managing mortgage servicing rights, and the uncertain regulatory environment. “Independent mortgage bankers now comprise approximately 80 percent of Ginnie Mae’s monthly issuance volume,” said Ginnie Mae President Ted Tozer. “They are an important piece of the continued success of the housing finance industry. However, if we want borrowers to continue to have access to credit, we need to take a serious look at the liquidity challenges these institutions are facing.” The fourth annual Summit takes place as the housing finance industry explores ways to continue providing credit to borrowers despite growing capacity concerns among independent mortgage bankers and decreasing values in mortgage servicing rights. “We cannot underestimate the central role that mortgage servicing rights value play in this market,” Tozer stated. “MSR values are declining at a time when we need to borrow against them or sell them to increase liquidity.” Currently, Ginnie Mae’s outstanding unpaid principal balance exceeds $1.7 trillion dollars, an increase of more than 50 percent in approximately five years. Further, the corporation saw its highest monthly issuance guarantees in history in August with $48.4 billion dollars. Most of this increase is the result of independent mortgage bankers entering the Ginnie Mae program, helping to account for $3.1 trillion in issuance since 2009. “These complex challenges, plus a regulatory environment that makes it challenging for depository institutions to return to the mortgage market, are more evidence that Ginnie Mae must continue to effectively and efficiently monitor and evaluate risks presented by this environment,” Tozer continued. The 2016 Ginnie Mae Summit provides an opportunity for networking and collaboration between leading lenders, document custodians, D.C.-based policy makers, members of Congress and staff, federal agencies, real estate trade groups and industry analysts. Educational sessions will also provide in-depth examination of Ginnie Mae’s business and programs from a variety of perspectives. About Ginnie Mae Ginnie Mae is a wholly-owned government corporation within the U.S. Department of Housing and Urban Development. Ginnie Mae pioneered the MBS, guaranteeing the very first security in 1970 and raises capital from investors in the global credit markets to ensure liquidity for affordable rental and homeownership opportunities across the country. Through its MBS, Ginnie Mae finances housing mortgage insurance programs run by the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), the Office of Public and Indian Housing (PIH), and the Department of Agriculture’s Rural Housing Service. Ginnie Mae securities carry the full faith and credit of the United States Government. Contact: Gina Screen (202) 475-7816
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Our Mission
Our mission is to bring global capital into the housing finance system - a system that runs through the core of our Nation's economy - while minimizing risk to the taxpayer.
For more than 40 years, Ginnie Mae has provided l​i​quidity and stability, serving as the principal financing arm for government loans and ensuring that mortgage lenders have the necessary funds to provide loans to customers.
A Message from the President

Ginnie Mae has been a cornerstone of the U.S. housing finance system since it was created more than 40 years ago. By guaranteeing that investors of our MBS will be paid on a timely basis, Ginnie Mae attracts private capital to the U.S. housing market and facilitates government-insured financing without imposing undue risk on the taxpayer. We have consistently delivered liquidity to the housing finance system during periods of economic stress, and remain a strong supplier of capital that finances affordable single-family and rental housing....more